This letter is a formal complaint that you are reporting
inaccurate credit information.

I am very distressed that you have included the below information
in my credit profile due to its damaging effects on my good credit standing. As
you are no doubt aware, credit reporting laws ensure that bureaus report only
accurate credit information. No doubt the inclusion of this inaccurate
information is a mistake on either your or the reporting creditor's part.
Because of the mistakes on my credit report, I have been wrongfully denied
credit recently for a <insert credit type for which you were denied
here>, which was highly embarrassing and has negatively impacted my
lifestyle.

optional With the proof I'm attaching to this letter, I'm sure
you'll agree it needs to be removed ASAP.

The following information therefore needs to be verified and
deleted from the report as soon as possible:

CREDITOR AGENCY, acct. 123-34567-ABC

Please delete the above information as quickly as possible.

Sincerely,

Your Signature

Your Name SSN# 123-45-6789 Attachment included

Date

Your Name Your Address City, State Zip

Credit Bureau Name Credit Bureau Address City, State Zip

To Whom It May Concern:

I sent a letter to you disputing 5 accounts as erroneous on
Jan-10-2013 certified mail, return receipt requested. I received notice in the
mail that you received the dispute on on Jan-13-20XX. It is now February 13,
20XX and I have not received a response from you. Per the Fair Credit Reporting
Act, Section § 611 (a) (5), you have 30 days to investigate disputes. If you
cannot verify the information within the 30 day time period, you must delete
all of the disputed accounts from my report. You must now delete the disputed
and unverified accounts. Failure to do so can result in a $1000 fine per undeleted
item.

Enclosed find a copy of the receipt showing when you received
my credit dispute and a copy of my original letter showing all the accounts I
have disputed.

Thanks in advance to your timely response to this request.

Sincerely,

Your Signature

----------------------------

Date

Your Name Your Address City, State Zip

Credit Bureau Bureau Address City, State Zip

Dear Credit Bureau,

This letter is a formal complaint that you are reporting
inaccurate credit information.

I am very distressed that you have included the below information
in my credit profile due to its damaging effects on my good credit standing. As
you are no doubt aware, credit reporting laws ensure that bureaus report only
accurate credit information. No doubt the inclusion of this inaccurate
information is a mistake on either your or the reporting creditor's part.
Because of the mistakes on my credit report, I have been wrongfully denied
credit recently for a <insert credit type for which you were denied
here>, which was highly embarrassing and has negatively impacted my
lifestyle.

optional With the proof I'm attaching to this letter, I'm sure
you'll agree it needs to be removed ASAP.

The following information therefore needs to be verified and
deleted from the report as soon as possible:

CREDITOR AGENCY, acct. 123-34567-ABC

Please delete the above information as quickly as possible.

Sincerely,

Your Signature

Your Name SSN# 123-45-6789 Attachment included

Date

Your Name Your Address City, State Zip

Credit Bureau Name Credit Bureau Address City, State Zip

To Whom It May Concern:

I sent a letter to you disputing 5 accounts as erroneous on
Jan-10-2013 certified mail, return receipt requested. I received notice in the
mail that you received the dispute on on Jan-13-20XX. It is now February 13,
20XX and I have not received a response from you. Per the Fair Credit Reporting
Act, Section § 611 (a) (5), you have 30 days to investigate disputes. If you
cannot verify the information within the 30 day time period, you must delete
all of the disputed accounts from my report. You must now delete the disputed
and unverified accounts. Failure to do so can result in a $1000 fine per undeleted
item.

Enclosed find a copy of the receipt showing when you received
my credit dispute and a copy of my original letter showing all the accounts I
have disputed.